Medicare Advantage at Mayo Clinic.
Which Medicare Advantage plans work with Mayo Clinic, how Medigap and Original Medicare access compares, and our advisor's tips on choosing a plan that keeps your Mayo Clinic providers in-network.
About Mayo Clinic
Founded in 1864 and headquartered in Rochester, Minnesota, Mayo Clinic operates across Minnesota, Arizona, Florida. #1 Honor Roll hospital in America (US News & World Report 2025), with national strength in diabetes & endocrinology, gastroenterology, neurology, neurosurgery, pulmonology, and rheumatology.
Medicare Advantage carriers that contract with Mayo Clinic
UnitedHealthcare/AARP, Humana, Blue Cross Blue Shield of Minnesota, HealthPartners, Medica, BCBS Arizona, Florida Blue, Aetna.
Mayo Clinic is widely accepted but with caveats — many Medicare Advantage plans require pre-authorization for Mayo specialty referrals. Original Medicare with Medigap is the simplest way to access Mayo.
Original Medicare with Medigap = full Mayo Clinic access
If keeping Mayo Clinic in-network is non-negotiable, the simplest path is Original Medicare (Parts A and B) plus a Medigap plan plus a standalone Part D plan. Medigap plans don't have networks — they pay out-of-pocket costs at any provider that accepts Medicare.
Mayo Clinic accepts Medicare. So: Original Medicare + Medigap means you can see any Mayo Clinic doctor, in any Mayo Clinic hospital, with no referrals or pre-authorizations.
The trade-off: Medigap costs $100-$250/month (versus often $0 for Medicare Advantage), and standalone Part D adds $15-$70/month. But you get total provider freedom and predictable out-of-pocket costs.
How to verify your Mayo Clinic doctor is in your Medicare Advantage plan
- Call the plan member services line with your doctor's full name and NPI number. Ask: "Is Dr. [Name], NPI [#####], in-network for [plan name] for 2027?"
- Check the plan's online provider directory. Search by full name. Verify the address matches your Mayo Clinic location.
- Call your Mayo Clinic doctor's office. Ask the receptionist which Medicare Advantage plans they accept. Verify both that the practice is in-network and that the specific physician is in-network — they're sometimes different.
- If you have specialists, repeat for each one. Network status varies physician-by-physician within the same hospital system.
Free 14-minute Medicare review.
A licensed advisor reviews your specific Mayo Clinic providers, your prescriptions, and finds the Medicare Advantage or Medigap option that keeps your care in-network. Free, no obligation.
Call (866) 534-1886Or request a callback · Mon–Fri 8a-8p ET, Sat 9a-2p ET